HSBC Bank : Online Registration For Bill Payment Service

Name of the Organisation : HSBC Bank (hsbc.co.in)
Type of Facility : Online Bill Payment
Location : India

Website : http://www.hsbc.co.in/1/2/homepage

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Online Bill Payment :
No more bill queues, no more missed due dates; you can now use HSBC’s convenient and flexible Bill Payment service to pay your bills online. You can pay your mobile, telephone, gas, electricity bills and insurance premiums.

Register Here : http://www.hsbc.co.in/1/2/personal/internet-and-self-service-banking/bill-payment/online-bill-payment

Bill Payment Terms & Conditions :
These terms and conditions govern the use of HSBC India’s Bill Payment service to enable customers to pay their utility bills through HSBC Personal Internet banking.

Scope of Services :
** By registering for Bill Payment Service, the Customer authorizes HSBC India and its agents to follow the payment instructions he has given using his HSBC Internet Banking/Phone Banking facility. The Customer will provide HSBC India with the names and information of his Account with those Billers, as required by the Biller to whom he wishes to make Bill Payments. The Customer fully understands that HSBC India engages third party agent(s) to provide the Bill Payment Service.
** When the Customer registers for a Biller on the Bill Payment Service, he will be able to make payments to such Billers also through Phone Banking. Conversely, when the Customer registers a Biller for Phone Banking, he will also be able to make payments to such Billers through Internet Banking. Registration for the Bill Payment Service is not immediate and the time taken for registration varies from Biller to Biller.
** By registering for Biller(s) through the Bill Payment Service on HSBC Internet Banking and Phone Banking, the Customer agrees that HSBC India is authorized to accept the Customer’s instructions to make payment over Phone Banking and/or Internet Banking from his accounts linked to his PBN (personal banking number) / Internet Banking ID, only up to a total of Rs. 2,50,000 per day (from 00 :01 hours to 24:00 hours Indian Standard Time). For Phone Banking, this limit will be reduced by any transfer payments to pre-designated payees initiated by the Customer during the day (from 00:01 hours to 24:00 hours Indian Standard Time).
** When the Customer initiates a Bill Payment, he authorizes HSBC India to debit his Account on a Business Day and to remit funds to the Biller on his behalf electronically. If the Biller does not permit or accept electronic payments, then those funds will be remitted to the Biller through the use of a manual cheque.
** Payments made by the Customer before 5 :00 p.m. Indian Standard Time, Monday to Saturday inclusive (excluding Bank holidays), will be received by the Biller on the 3rd Business Day after the date of payment. Payments made by the Customer after 5:00 p.m. Indian Standard Time will be deemed to have been made on the next business day.
** Customer may use the Bill Payment Service from HSBC Internet Banking to authorize automatic recurring payments of recurring bills on certain pre-specified dates. These payments will be deemed to be made on the next Business Day if the specified payment day falls on a weekend or holiday. Recurring payments cannot be setup from Phone Banking.
** If the Customer chooses to debit his HSBC Credit Card Account for payment of bills he will not be able to use the recurring Bill Payment Facility.
** HSBC India cannot be responsible for any delays made by the Billers themselves.
** In case the Customer has changed his mobile network/ service provider of his registered mobile number on HSBC Bill Payment Services, (through the Mobile number portability ‘MNP’ option or otherwise), the Customer will be required to first de-register from the existing mobile service provider by making a pin verified call at the HSBC Phone Banking or sending a secured message through HSBC Personal Internet Banking or visiting his/her nearest branch and place a written request. Once the de-registration is successfully done the Customer may once again register for the new mobile network service provider through ‘Add Biller’ option on the HSBC Internet Banking.

Fees :
The Customer agrees to pay applicable service charges to HSBC India for Bill payment Services, as may be agreed between HSBC India and the Customer from time to time, and all statutory dues including service tax (any cess thereon), stamp duty, etc payable in respect of these terms & conditions or any other deeds or documents to be executed in pursuance hereof shall be borne and paid solely by the Customer.

HSBC India reserves the right to charge and recover from the Customer, fees for availing the Bill Payment Service. Such fees shall be as stated in the tariff sheet on the HSBC India’s website www.hsbc.co.in. The charges shall be debited to the Customer’s Account. Failure to pay the charges on or before the specified date will render the Customer liable for payment of interest at such rate as may be stipulated by HSBC India and/or withdrawal of the Bill Payment Service without any notice to the Customer or liability to HSBC India. HSBC India reserves the right to amend the current tariff without any notice.

Cancellation of Instruction :
The Customer can request HSBC India to cancel or modify a Bill Payment anytime before the Bill Payment process date for that payment through the use of HSBC Personal Internet Banking services, recurring payments cannot be setup, modified or cancelled through Phone Banking. Any payment instructions for whatever reason after submission of the said instructions to HSBC India, it will make reasonable efforts to comply with the Customer’s request. However, HSBC India shall not be liable for any failure to cancel or modify the payment instructions, if such is received at a time or under circumstances that renders it unable to comply with the Customer’s request.

Account to Credit Card Payment Terms and Conditions :
** ‘Account to Credit Card Payment’ refers to a facility to transfer funds online from a HSBC savings / current account to any domestic VISA Credit Card through the ‘Account to Credit Card Payment’ service operated through the VISA system. ‘Accountholder’ refers to the customer holding the HSBC savings or current account.
** ‘Card’ refers to a Credit Card.
** ‘Recipient VISA Card’ refers to the VISA Credit Card to which funds are transferred to, using the Account to Credit Card Payment facility.
** Account to Credit Card Payment facility is not available for payment by debiting an HSBC Credit Card account.
** The Account to Credit Card Payment facility shall be provided at the Accountholder’s request. A transaction fee, as communicated by HSBC India, from time to time, shall be applicable on each such transfer request. Currently, as part of an introductory offer, a “zero fee” is applicable till further notice.
** The maximum amount that may be transferred from a savings/current account per day using the Account to Credit Card Payment facility shall be Rs. 250,000. The maximum amount that may be transferred to a recipient VISA card per day shall be Rs. 50,000.
** Before initiating Account to Credit Card Payment instructions, on a one-time basis, the Accountholder should register each Recipient VISA Card on HSBC Personal Internet Banking, through the “Add Biller/Recipient VISA Card” screen. The Accountholder shall provide all information as required on the said screen, including, Recipient Name, Recipient VISA Card Number etc, in the absence of which, HSBC India will be unable to process the registration request. Upon receipt of the request, HSBC India will activate the Recipient VISA card within 1 working day.
** Only transfers to VISA Cards are permitted using the Card-to-Card Transfer facility. If the Accountholder requests for transfer of funds to a non-VISA Card, HSBC India shall not be liable for failure in execution of the transfer instruction.
** Only transfers to VISA Cards issued in India are permitted using the Account to Credit Card Payment facility. The Accountholder shall be responsible to ensure that the Account to Credit Card Payment instructions are not in violation of the Foreign Exchange Management Act, 1999 or any rules/regulations made thereunder and shall be liable for any violation of the same.
** Once the Recipient VISA Card is activated on HSBC Personal Internet Banking, the Accountholder may use the “Pay a Bill / Transfer to VISA Card” screen on HSBC Personal Internet Banking, to effect a Account to Credit Card Payment by specifying the debit account number, the transfer amount, the date and frequency of transfer(s). The authorization to debit the Accountholder’s current/savings account indicated, shall include authorization to debit charges, if any, applicable on Account to Credit Card Payments as per prevailing tariff.
** The Account to Credit Card Payment shall be made to the Card number provided by the Accountholder. The Accountholder shall be responsible for providing the correct Recipient Card number. While HSBC India may at its discretion obtain certain other details of the Recipient like Name, Address, Recipient’s Bank name etc., HSBC India shall not be liable to verify or authenticate the information so obtained. HSBC India will process Account to Credit Card Payment instructions based on the information provided by the Accountholder. In the event the Accountholder provides an incorrect Recipient Card number, the Bank shall neither be responsible for such transfer nor be liable to reverse the transaction.
** Upon receipt of the Account to Credit Card Payment instruction, HSBC India shall debit the Account indicated by the Accountholder on the same working day (in case of receipt of instructions on a non-working day, the debit shall be effected on the next working day). All Account to Credit Card Payment instructions received by 5 pm on any working day shall be transmitted to VISA by the next working day.
** HSBC India shall not be responsible for the time taken by the Recipient’s bank to credit the proceeds to the Recipient’s Card.